The number of mortgages granted in the UK has increased by a third since the launch of the Funding for Lending Scheme (FLS), the government's flagship credit programme.

But while the news might be positive for house buyers, the figures also prove what many have suspected for some time - that the FLS has been skewed towards mortgage lending, and not lending to businesses.

Alternative financing options for businesses, such as asset loans, crowd funding, crowd lending, venture capital and angel investor money are all available - but which options are best for small businesses?

The Bicycle Academy owner Andrew Denham, who crowd-funded the start-up of the business by raising £40,000 in six days, is taking part in a live stream with business expert Dan Matthews and Adrian Millar, head of VW Commercial Vehicles Finance, where they will share their advice on how to be smarter with business finances.

Enter your questions ahead of the Q&A in the box below - the stream starts at 12:45 GMT.